Will Zhengzhou Industrial and Commercial Bank's mortgage interest rate be automatically transferred to lpr?

1. Will Zhengzhou Industrial and Commercial Bank's mortgage interest rate be automatically transferred to lpr?

It will be automatic. If I agree, the bank will send a text message to ask for my advice. If you choose to reply, you will not turn if you disagree. The default is to agree to transfer, and there is no need to reply to the confirmation message.

Two. Icbc adjusts mortgage interest rate

It is understood that in June 5438+ 10 this year, the People's Bank of China and the China Banking Regulatory Commission issued the Notice on Establishing the First Long-term Mechanism for Dynamic Adjustment of Housing Loan Interest Rate Policy, and decided to establish the first dynamic adjustment mechanism of housing loan interest rate policy. In cities where the sales price of newly-built commercial housing has decreased for three consecutive months, the lower limit of the local first home loan interest rate policy can be maintained, phased down or cancelled.

Recently, according to relevant policies, Huizhou ICBC lowered the interest rate of the first home loan to 3.9% to better meet the housing needs of residents.

Huizhou ICBC responded positively after receiving the notice. On June 65438+1October 65438+September 9, the interest rate was lowered, and the first interest rate was adjusted by 40 basis points, as low as 3.9%. For those who just need to buy a house, the decline in mortgage interest rate can reduce the cost of buying a house. Take the loan of 6,543,800 yuan as an example. The previous interest rate in Huizhou was 4. 1%, and the monthly payment was 483 1.99 yuan. If calculated by 3.9%, the monthly payment is 47 16.69 yuan, the monthly payment is1/5.3 yuan, and the total principal and interest for 30 years is 415,000 yuan.

According to statistics, in 2022, the personal housing mortgage of ICBC in Huizhou totaled 7.4 billion yuan, which supported the purchase demand of 89 12 customers, ranking first in the same industry in Huizhou. Since the People's Bank of China and China Banking Regulatory Commission issued "Finance 16 Document", Huizhou ICBC has also set up a special working group to actively promote the implementation of various policies and measures to stabilize financial real estate.

3. Who can tell me how much the mortgage interest of ICBC has been adjusted now?

20 10 was adjusted twice, and one * * * was increased by 0.5%.

4. What is the annual adjustment time of ICBC's mortgage execution interest rate?

January first.

The calculation of loan interest adopts floating interest rate, and the interest is adjusted with the adjustment of interest rate. Of course, no matter how it is calculated, it has no effect on the interest paid. There are three ways to adjust the interest rate of the unpaid interest after adjustment: first, after the bank's interest rate is adjusted, the newly adjusted interest rate will be implemented at the beginning of the following year (ICBC, Agricultural Bank of China and China Construction Bank are all like this); The second is annual adjustment, that is, the new interest rate is adjusted and implemented every year of repayment (such is the case with China bank mortgage); Third, both parties agree that the next month's adjustment after the adjustment of bank interest rate will be carried out on 1 month 1 day every year.